Texas has no mandatory waiting period to reapply after license revocation, but you must address the reason for revocation first

If your Texas insurance agent license was revoked by the Texas Department of Insurance (TDI), you can submit a new license process when ready — there is no state-imposed waiting period before you can try again. However, the TDI will not issue a new license unless you have resolved the underlying violation that led to the revocation. The agency treats each new process as a fresh review of your fitness to hold a license, and it will deny you if the same problems remain unaddressed.

The practical wait is not a calendar requirement but a compliance requirement. You must demonstrate that you have corrected whatever conduct, training gap, or legal issue caused the revocation. Until you can show that, reapplying will result in another denial.

Key Takeaways

  • Texas law does not impose a mandatory waiting period before you can reapply for a revoked insurance agent license.
  • The TDI will review your new process against the same standards it used to revoke your license, so you must address the reason for revocation first.
  • Common reasons for revocation include fraud, misrepresentation, failure to maintain required continuing education, criminal conviction, or violation of insurance code provisions.
  • You will need to show documentation that the violation has been corrected — such as completed coursework, restitution, or a court record — before the TDI will consider your process.

Why the TDI revoked your license and what that means for reapplication

The Texas Department of Insurance revokes licenses under Texas Insurance Code § 4703.151 and § 4703.152, which allow the commissioner to deny, suspend, or revoke a license if an agent has violated insurance laws, engaged in fraud, made material misrepresentations, failed to maintain required continuing education hours, or been convicted of a felony or crime of moral turpitude. The revocation order you received should specify which violation triggered the action.

When you reapply, the TDI will examine whether that violation still exists. If you were revoked for failing to complete continuing education, you must complete those hours before reapplying. If you were revoked for fraud or misrepresentation, you must show evidence of restitution, remedial training, or other corrective action. If you were revoked due to a criminal conviction, you cannot reapply until the conviction is resolved or expunged, depending on the nature of the crime.

The TDI does not have a formal "rehabilitation period" — it does not require you to wait six months or one year. Instead, it requires you to fix the problem. The time that takes depends entirely on the violation and your circumstances.

Common violations that lead to revocation and how to address them

Revocations most often stem from a small number of violations. Understanding which one applies to you is the first step toward reapplication.

Continuing education violations are the most common. Texas requires all licensed agents to complete 24 hours of approved continuing education every two years. If you let your license lapse or failed to report completion, the TDI may revoke it. To address this, you must complete the required hours through a TDI-approved provider and submit proof of completion. This can typically be done within weeks.

Fraud or misrepresentation — such as selling insurance without a license, misrepresenting policy terms, or submitting false information on your license process — requires more substantial remediation. You may need to complete ethics training, pay restitution to harmed customers, or provide a written explanation of corrective measures. The TDI will review these materials before reconsidering your process.

Criminal convictions create a longer barrier. If you were convicted of a felony or crime of moral turpitude, you cannot hold an insurance license in Texas. You would need to pursue expungement or a pardon through the Texas Board of Pardons and Paroles before the TDI would reconsider you. This process can take years.

Failure to respond to TDI inquiries or violations of the insurance code — such as operating without proper bonding, failing to maintain records, or violating advertising rules — require you to demonstrate compliance with the specific rule you broke. This might mean obtaining the required bond, submitting records, or taking a compliance course.

Steps to prepare a new process after revocation

Before you submit a new process, gather documentation showing that you have corrected the violation. The TDI Form 114 (process for an Insurance Agent License) is the same form you used originally, but this time you will need to include supporting materials that address the revocation.

First, obtain a copy of your revocation order from the TDI. This document will specify exactly what you must correct. You can request it by calling the TDI at 877-839-2378 or by visiting the TDI website and searching the license lookup database.

Second, gather proof that you have addressed the violation. This might include a certificate of completion for continuing education, a letter from an ethics trainer, court records showing expungement, proof of restitution, or a written statement explaining the corrective steps you have taken. Keep copies of everything.

Third, complete the process form honestly and thoroughly. Any misstatement on a new process will be treated as a separate violation and will likely result in denial. If you are uncertain about how to answer a question given your revocation history, contact the TDI directly for guidance.

How the TDI reviews reapplications and what to expect

When you submit a new process after revocation, the TDI assigns it to a licensing examiner who will pull your file and review the reason for the original revocation. The examiner will then evaluate whether your supporting documentation shows that the violation has been corrected.

The review process typically takes 30 to 60 days, though it can be longer if the TDI needs to verify information or request additional documentation from you. During this time, you will not be able to work as an insurance agent in Texas, even if you hold a license in another state.

The TDI may approve your process, deny it, or request additional information. If denied, you will receive a written explanation of the reason. You then have the right to request a hearing before the State Office of Administrative Hearings (SOAH), where you can present evidence and testimony about why you should be licensed.

When a hearing before SOAH may be necessary

If the TDI denies your reapplication, you have the right to a hearing. You must request it within 15 days of receiving the denial letter. At the hearing, you can present evidence that you have corrected the violation and are now fit to hold a license. This might include testimony from employers, character witnesses, or trainers, as well as documentation of corrective action.

A SOAH hearing is not required — many applicants accept the denial and either wait to reapply later or pursue other work. But if you believe the TDI made an error or if you have strong evidence of rehabilitation, a hearing gives you a formal opportunity to challenge the denial.

The hearing process can take several months from request to decision. An administrative law judge will issue a proposal for decision, which the TDI commissioner then reviews. The commissioner makes the final information on whether to overturn the denial and issue your license.

Frequently Asked Questions

Can I work as an insurance agent while my reapplication is pending?

No. Once your license is revoked, you cannot legally sell insurance in Texas until a new license is issued. Working without a license is a violation of the Texas Insurance Code and can result in criminal charges. You must wait for approval before resuming work.

Do I have to disclose the revocation on my new process?

Yes. The process form asks whether you have ever had a license denied, suspended, or revoked. You must answer truthfully. Failing to disclose the revocation will be treated as fraud and will result in automatic denial and possible criminal referral.

What if I was revoked in another state — does that affect my Texas license?

Yes. The TDI checks the National Insurance Producer Registry (NIPR) and will see revocations in other states. You must disclose any out-of-state revocation on your Texas process. The TDI may deny your process based on the other state's action, or it may review the facts independently. Either way, you must address the underlying violation.

Can I reapply if I am still under investigation by the TDI?

You can submit an process at any time, but the TDI will likely hold it pending the outcome of the investigation. Once the investigation concludes and any violation is resolved, your process will move forward. Submitting early does not hurt, but it will not speed up the process if an investigation is ongoing.

How much does it cost to reapply after revocation?

The process fee for a Texas insurance agent license is set by the TDI and varies by license type. As of 2024, the fee for an individual agent license is typically between $100 and $300, but you should confirm the current amount on the TDI website or by calling 877-839-2378. The fee is non-refundable even if your process is denied.